Commercial Umbrella Insurance – Just In Case!

Umbrella liability insurance is an extra insurance policy that covers some expenses not covered by other liability insurance policies.

Standard business liability coverage will protect you in many situations, but when serious situations arise, umbrella liability insurance can help ensure that your business is protected. Accidents are unexpected and often unavoidable. Here are a few of the many situations that may happen:

  • Your business fails to provide the appropriate professional services
  • Your company holiday party gets out of hand resulting in property damage
  • Your building has a fire that results in multiple injuries and/or deaths

Cover your business with umbrella liability insurance

A business umbrella policy picks up where your business auto liability, general liability or other liability coverage exceeds its limits. Umbrella insurance is a cost-effective way to provide extra coverage against bodily injury and/or property damage.

For example, if your current policy protects your business for up to $2 million and you are successfully sued for $3 million, your business umbrella coverage can pay the outstanding $1 million. Otherwise, the difference would very likely come out of your business profits or your pocket.

It’s there when you need it

The umbrella policy only comes into play when your basic insurance policies have met maximum payouts. That means that you may go for years without having to use the umbrella policy. But, it's there in case you need it, helping to mitigate risk.

Taking the initiative to carry an umbrella insurance policy is a smart way to provide extra protection for yourself and your business.

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Human Resources

Your employees are your most valuable asset. Like all valuable assets, they must be properly managed to utilize their full value. You know that maintaining all aspects of this important asset, and liability, is vital to the long-term success of every business. Let us provide you with the tools you need to handle both these areas of Human Resource Management. We’ll help you manage both the assets and liabilities.

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Risk Management

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Employee Benefits

In order to attract and retain innovative, dedicated workers, an employee benefits program is a necessity. Managing your employee benefits is an important part of any payroll and Human Resource function. Just as important, successfully managing and controlling the ever-increasing costs of employee benefits can provide a competitive edge for your company. Creating and running a truly effective employee benefits program, though, is a task few companies are equipped to handle themselves. Let us help!